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<ACCESSION-NUMBER>0000929638-25-000114<TYPE>ABS-15G<PUBLIC-DOCUMENT-COUNT>3<PERIOD>20250110<ITEMS>2.01<FILING-DATE>20250110<DATE-OF-FILING-DATE-CHANGE>20250110<ABS-RULE>RULE-15GA2<REGISTERED-ENTITY>Y<ABS-ASSET-CLASS>Auto loans<FILER><COMPANY-DATA><CONFORMED-NAME>EFCAR, LLC<CIK>0001654238<ASSIGNED-SIC>6189<ORGANIZATION-NAME>Office of Structured Finance<IRS-NUMBER>453969432<STATE-OF-INCORPORATION>DE<FISCAL-YEAR-END>1231</COMPANY-DATA><FILING-VALUES><FORM-TYPE>ABS-15G<ACT>DF<FILE-NUMBER>025-02288<FILM-NUMBER>25522308</FILING-VALUES><BUSINESS-ADDRESS><STREET1>2101 W. JOHN CARPENTER FREEWAY<CITY>IRVING<STATE>TX<ZIP>75063<PHONE>(214) 572-8276</BUSINESS-ADDRESS><MAIL-ADDRESS><STREET1>2101 W. 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font-weight: bold;">REPORT PURSUANT TO SECTION 15G OF</div>  <div style="text-align: center; font-weight: bold;">THE SECURITIES EXCHANGE ACT OF 1934</div>  <div>&#160;</div>  <div>Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:</div>  <div>&#160;</div>  <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z20a6632a58ae432b8d9640b08d521f8c" cellpadding="0" cellspacing="0">          <tr>        <td style="width: 18pt; vertical-align: top;">&#9744;</td>        <td style="width: auto; vertical-align: top;">          <div>Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period __________ to __________</div>        </td>      </tr>      </table>  <div style="margin-left: 18pt;"> <br>  </div>  <div style="margin-left: 18pt;">Date of Report (Date of earliest event reported):&#160; ____________</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Commission File Number of securitizer:&#160; ____________</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Central Index Key Number of securitizer:&#160; ____________</div>  <div><br>  </div>  <div><br>  </div>  <div style="text-align: center; font-family: 'Times New Roman', serif; font-size: 2pt;">____________________________________________________________________________________________________________________________________________________________________________________</div>  <div style="text-align: center;">Name and telephone number, including area code, of the person to</div>  <div style="text-align: center;">contact in connection with this filing.</div>  <div>&#160;</div>  <div style="margin-left: 18pt;">Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule&#160;15Ga&#8209;1(c)(1)&#160; &#9744;</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule&#160;15Ga-1(c)(2)(i)&#160; &#9744;</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule&#160;15Ga&#8209;1(c)(2)(ii)&#160; &#9744;</div>  <div><br>  </div>  <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z861aa94c390e48079146f586d23ddee0" cellpadding="0" cellspacing="0">          <tr>        <td style="width: 18pt; vertical-align: top;">&#9746;</td>        <td style="width: auto; vertical-align: top;">          <div>Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)</div>        </td>      </tr>      </table>  <div><br>  </div>  <div style="margin-left: 18pt;">Central Index Key Number of depositor: 0001654238</div>  <div><br>  </div>  <div style="text-align: center;">Exeter Automobile Receivables Trust 2025-1</div>  <div style="text-align: center; font-family: 'Times New Roman', serif; font-size: 2pt;">____________________________________________________________________________________________________________________________________________________________________________________</div>  <div style="text-align: center;">(Exact name of issuing entity as specified in its charter)</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Central Index Key Number of issuing entity (if applicable):&#160; 0002049379</div>  <div><br>  </div>  <div style="margin-left: 18pt;">Central Index Key Number of underwriter (if applicable):&#160; __________</div>  <div><br>  </div>  <div style="text-align: center;">Jodi Blanton, (469) 754-4396</div>  <div style="text-align: center; font-family: 'Times New Roman', serif; font-size: 2pt;">____________________________________________________________________________________________________________________________________________________________________________________</div>  <div style="text-align: center;">Name and telephone number, including area code, of the person to</div>  <div style="text-align: center;">contact in connection with this filing.</div>  <div style="text-align: center;"><br>  </div>  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">    <div style="page-break-after: always;" class="BRPFPageBreak">      <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>  </div>  <div>Item 2.01.&#160; <font style="font-weight: bold;">Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer.</font></div>  <div>&#160;</div>  <div><font style="color: #000000;">See Report of Independent Accountants on Applying Agreed-Upon Procedures, dated January 10, 2025<font style="font-family: Symbol, serif;"></font>,</font> attached as Exhibit 99.1 to this Form ABS-15G.</div>  <div>&#160;</div>  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">    <div style="page-break-after: always;" class="BRPFPageBreak">      <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>  </div>  <div style="text-align: center; color: #000000; font-weight: bold;">INDEX OF EXHIBITS</div>  <div style="text-align: center; color: #000000;">&#160;</div>  <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zfe7af9f291b342edbdc75d366d199dfb" border="0" cellpadding="0" cellspacing="0">          <tr>        <td style="width: 72pt; vertical-align: top;">          <div style="color: #000000; font-weight: bold;">Exhibit No.</div>        </td>        <td style="width: auto; vertical-align: top;">          <div style="text-align: justify; color: #000000; font-weight: bold;">Description</div>        </td>      </tr>      <tr>        <td style="width: 72pt; vertical-align: top;">          <div style="color: #000000;">&#160;</div>        </td>        <td style="width: auto; vertical-align: top;">          <div style="text-align: justify; color: #000000;">&#160;</div>        </td>      </tr>      <tr>        <td style="width: 72pt; vertical-align: top;">          <div style="color: #000000;">Exhibit 99.1</div>        </td>        <td style="width: auto; vertical-align: top;">          <div style="color: #000000;">Report of Independent Accountants on Applying Agreed-Upon Procedures, dated January 10, 2025<font style="font-family: Symbol, serif;"></font></div>        </td>      </tr>      </table>  <div> <br>  </div>  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">    <div style="page-break-after: always;" class="BRPFPageBreak">      <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>  </div>  <div style="text-align: center; font-weight: bold;">SIGNATURES</div>  <div>&#160;</div>  <div style="text-indent: 36pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>  <div>&#160;</div>  <div>Dated: January 10, 2025</div>  <div>&#160;</div>  <table style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z964288222f3345b699aac5f89f903f6e" border="0" cellpadding="0" cellspacing="0">          <tr>        <td style="width: 50%; vertical-align: top;">&#160;</td>        <td colspan="3" style="vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">EFCAR, LLC</div>        </td>      </tr>      <tr>        <td style="width: 50%; vertical-align: top;">&#160;</td>        <td colspan="3" style="vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">(Depositor)</div>        </td>      </tr>      <tr>        <td style="width: 50%; vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">&#160;</td>        <td style="width: 46%; vertical-align: top;">&#160;</td>      </tr>      <tr>        <td style="width: 50%; vertical-align: top;">&#160;</td>        <td style="width: 2%; 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vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">Name:&#160;&#160;&#160;</div>        </td>        <td style="width: 46%; vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">Jason Kulas</div>        </td>      </tr>      <tr>        <td style="width: 50%; vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">&#160;</td>        <td style="width: 2%; vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">Title:</div>        </td>        <td style="width: 46%; vertical-align: top;">          <div style="font-family: 'Times New Roman', Times, serif;">Chief Executive Officer &amp; Chief Financial Officer</div>        </td>      </tr>      </table>  <div><br>  </div>  <div><br>  </div></body></html></TEXT></DOCUMENT><DOCUMENT><TYPE>EX-99.1<SEQUENCE>2<FILENAME>exhibit99-1.htm<DESCRIPTION>REPORT OF INDEPENDENT ACCOUNTANTS ON APPLYING AGREED-UPON PROCEDURES<TEXT><html>  <head>    <title></title>    <!-- Licensed to: Morgan Lewis          Document created using Broadridge PROfile 24.12.1.5274         Copyright 1995 - 2025 Broadridge -->  </head><body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">  <font style="color: rgb(0, 0, 0);"> <font style="font-family: Arial;"> </font> </font>  <div>    <div style="text-align: right; font-weight: bold;"><font style="font-family: Arial; color: rgb(0, 0, 0);"> Exhibit 99.1<br>      </font> </div>    <div style="text-align: right; font-weight: bold;"> <font style="font-family: Arial; color: rgb(0, 0, 0);"><br>      </font> </div>    <table style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z53cec969fd2147bcbff8acefe96051ef" border="0" cellpadding="0" cellspacing="0">              <tr>          <td colspan="1" style="width: 90pt; vertical-align: middle; color: rgb(109, 109, 109); font-size: 8pt;"><font style="font-family: Arial; color: rgb(0, 0, 0);"><img src="ey_logo.jpg"></font> </td>          <td style="width: 80pt; vertical-align: middle; color: rgb(109, 109, 109); font-size: 6pt;">            <div style="font-family: Arial; color: rgb(0, 0, 0);">Ernst &amp; Young LLP</div>            <div style="font-family: Arial; color: rgb(0, 0, 0);">One Manhattan West</div>            <div style="font-family: Arial; color: rgb(0, 0, 0);">New York, NY 10001</div>          </td>          <td style="width: 5pt; vertical-align: top; color: rgb(0, 0, 0); font-size: 8pt; font-family: Arial;">&#160;</td>          <td style="width: 150pt; vertical-align: middle; color: rgb(109, 109, 109); font-size: 6pt;">            <div style="font-family: Arial; color: rgb(0, 0, 0);">Tel: +1 212 773 3000</div>            <div style="font-family: Arial; color: rgb(0, 0, 0);">Fax: +1 212 773 6350</div>            <div style="font-family: Arial; color: rgb(0, 0, 0);">ey.com</div>          </td>          <td colspan="1" style="vertical-align: middle; color: rgb(0, 0, 0); font-size: 8pt; width: auto; font-family: Arial;">&#160;</td>        </tr>          </table>    <div><font style="font-family: Arial; color: rgb(0, 0, 0);"><br>      </font> </div>    <div><font style="font-family: Arial; color: rgb(0, 0, 0);"><br>      </font> </div>    <font style="color: rgb(0, 0, 0);"><br>    </font>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="text-align: center; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);">Report of Independent Accountants on Applying Agreed-Upon Procedures</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z851ced02b5534bfaa2f90d38e71dda71" cellpadding="0" cellspacing="0">              <tr>          <td style="width: 50%; vertical-align: top;">            <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);"><a name="z_Hlk109826382"></a>EFCAR, LLC (the&#160;&#8220;Depositor&#8221;)</div>            <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);"><a name="z_Hlk109826388"></a>Exeter Finance LLC (the&#160;&#8220;Sponsor&#8221;)</div>            <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">2101 W. 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Morgan Securities LLC and BNP Paribas Securities Corp. (collectively, the&#160;&#8220;Specified Parties&#8221;), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain      information with respect to a pool of sub&#8209;prime automobile loan contracts secured by new and used automobiles, light duty trucks, minivans and sport utility vehicles (the&#160;&#8220;Automobile Loan Contracts&#8221;) relating to the Issuing Entity&#8217;s securitization      transaction.&#160; This report may not be suitable for any other purpose.&#160; The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are      responsible for determining whether the procedures performed are appropriate for their purposes.&#160; The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report.&#160; No other party acknowledged      the appropriateness of the procedures.&#160; Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">The procedures performed and our associated findings are included in Attachment A.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="color: rgb(0, 0, 0);">      <table id="z8660eef2ca9d4ed6916404258d6a8d6f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" border="0" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 50.00%;">              <div>&#160;<font style="font-family: Arial; color: rgb(0, 0, 0);"><img src="ey_logo.jpg"></font></div>            </td>            <td style="width: 50.00%;">              <div style="text-align: right;"><font style="font-family: Arial;">&#160;Page 2 of 4</font><br>              </div>            </td>          </tr>              </table>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);"> <br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of the procedures described in this report, the Sponsor, on behalf of the Depositor, provided us with:</div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z71516c0c81c147319b54453fbd08c478" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">a.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;"><a name="z_Hlk119398629"></a>An electronic data file labeled &#8220;EART 2024-6 Pool - EY.xlsx&#8221; and the corresponding record layout and decode information, as applicable                (the&#160;&#8220;Preliminary Data File&#8221;), that the Sponsor, on behalf of the Depositor, indicated contains information relating to certain sub&#8209;prime automobile loan contracts secured by new and used automobiles, light duty trucks, minivans and sport                utility vehicles (the&#160;&#8220;Preliminary Automobile Loan Contracts&#8221;) as of&#160;13&#160;November 2024 (the&#160;&#8220;Preliminary Cutoff Date&#8221;) that are expected to be representative of the Automobile Loan Contracts,</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zabeaa0af5fe84bf195827be20fdaabe0" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">b.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Imaged copies of the following documents (collectively, the &#8220;Source Documents&#8221;):</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze79ebf4eb7e2401a90c12b1c2d980500" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">i.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Certain printed screen shots which the Sponsor, on behalf of the Depositor, indicated were from the Sponsor&#8217;s customer acquisition and life cycle management system (the                &#8220;CALMS System Screen Shots&#8221;),</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2d7fb30e075f4dd98b5fd436d1ef673d" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">ii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Certain printed screen shots which the Sponsor, on behalf of the Depositor, indicated were from the Sponsor&#8217;s global search imaging system (the&#160;&#8220;GS System Screen                Shots&#8221;) and</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7d84a3e3f8b7483ab887ef9e60f2d8d8" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">iii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Certain printed screen shots from the Sponsor's spectrum system (the &#8220;Spectrum System Screen Shots&#8221;),</div>            </td>          </tr>              </table>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">that the Sponsor, on behalf of the Depositor, indicated relate to the Sample Automobile Loan Contracts (as defined in Attachment A),</div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbb73e35a232047f586f1fec4044b106c" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">c.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">An electronic data file labeled &#8220;EART 2024-6 Bureau Reconciliation.xlsx&#8221; and the corresponding record layout and decode information, as applicable (the&#160;&#8220;FICO Schedule,&#8221;                together with the Source Documents, the&#160;&#8220;Sources&#8221;), that the Sponsor, on behalf of the Depositor, indicated contains FICO score information as of the Preliminary Cutoff Date, relating to each Sample Automobile Loan Contract,</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z68307317d29c4fca8f5c898f804bca4a" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">d.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">The list of relevant characteristics (the &#8220;Sample Characteristics&#8221;) on the Preliminary Data File, which is shown on Exhibit 1 to Attachment A, and</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3343e93ca95043bd84616ee5c2692ab9" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">e.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Instructions, assumptions and methodologies, which are described in Attachment A.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of the procedures described in this report, certain information contained on the Preliminary Data File is the&#160;&#8220;Subject      Matter&#8221; as of the date of this report.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="color: rgb(0, 0, 0);">      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" border="0" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 50.00%;">              <div>&#160;<font style="font-family: Arial; color: rgb(0, 0, 0);"><img src="ey_logo.jpg"></font></div>            </td>            <td style="width: 50.00%;">              <div style="text-align: right;"><font style="font-family: Arial;">&#160;Page 3 of 4</font><br>              </div>            </td>          </tr>              </table>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);"><br>      The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A.&#160; The Depositor is responsible for the Subject Matter, Preliminary Data File, Sources, Sample      Characteristics and the determination of the instructions, assumptions and methodologies that are described herein.&#160; We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A.&#160; We have not      verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Sources or any other information provided to us, or that we were instructed to obtain, as applicable, by the Sponsor, on behalf of the Depositor, upon      which we relied in forming our findings.&#160; Accordingly, we make no representation and express no opinion or conclusion as to&#160;(a)&#160;the existence of the Preliminary Automobile Loan Contracts or Automobile Loan Contracts,&#160;(b)&#160;questions of legal or tax      interpretation or&#160;(c)&#160;the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Sponsor, on behalf of the Depositor, that are described in this report.&#160; We undertake no      responsibility to update this report for events and circumstances occurring after the date hereof.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of      Certified Public Accountants (the &#8220;AICPA&#8221;).&#160; An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement      and reporting on findings based on the procedures performed.&#160; We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on      any of the items referred to herein.&#160; Accordingly, we do not express such an opinion or conclusion.&#160; Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">The agreed-upon procedures described in this report were not performed for the purpose of:</div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4c4f9cf4bc0d46d281e1d972c583fe2c" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">a.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization (a &#8220;rating agency&#8221;) or</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfd61816ef7d54c1f8ab6a144100ecfc9" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">b.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Making any findings with respect to:</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb511de2bee44469b8291a514817ead12" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">i.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Whether the origination of the Automobile Loan Contracts conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or                other requirements,</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zea86571641674c7582bf4c15b740995f" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">ii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">The value of the collateral securing the Automobile Loan Contracts,</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1e535f89c119426fa834ab8335ccd415" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">iii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Whether the originator(s) of the Automobile Loan Contracts complied with federal, state or local laws or regulations or</div>            </td>          </tr>              </table>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf235a761bd594873a9b88b7cf8a2dfae" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 72pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">iv.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Any other factor or characteristic of the Automobile Loan Contracts that would be material to the likelihood that the issuer of the Notes will pay interest and                principal in accordance with applicable terms and conditions.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="color: rgb(0, 0, 0);">      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" border="0" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 50.00%;">              <div>&#160;<font style="font-family: Arial; color: rgb(0, 0, 0);"><img src="ey_logo.jpg"></font></div>            </td>            <td style="width: 50.00%;">              <div style="text-align: right;"><font style="font-family: Arial;">&#160;Page 4 of 4</font><br>              </div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable for agreed-upon      procedures engagements set forth in the Preface: Applicable to All Members and Part 1 &#8211; Members in Public Practice of the Code of Professional Conduct established by the AICPA.&#160; Independence requirements for agreed&#8209;upon procedures engagements are      less restrictive than independence requirements for audit and other attestation services.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by      anyone other than the Specified Parties.&#160; It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to      this report as required by law or regulation.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-right: 0.1pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">/s/ Ernst &amp; Young LLP</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="font-family: Arial,sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">1<font style="font-family: 'Times New Roman', serif;">0</font> January 2025</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><br>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" border="0" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 50.00%;">              <div>&#160;<font style="font-family: Arial; color: rgb(0, 0, 0);"><img src="ey_logo.jpg"></font></div>            </td>            <td style="width: 50.00%;">              <div style="text-align: right;"><font style="font-weight: bold; font-family: Arial;">Attachment A</font><br>              </div>            </td>          </tr>              </table>    </div>    <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><u> <br>      </u></div>    <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><u>Procedures performed and our associated findings</u></div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze5a72a2627594115b2f88affc961c187" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">1.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">As instructed by the Sponsor, on behalf of the Depositor, we randomly selected a sample of&#160;150&#160;Preliminary Automobile Loan Contracts from the Preliminary Data File                (the&#160;&#8220;Sample Automobile Loan Contracts&#8221;).&#160; For the purpose of this procedure, the Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Sample Automobile Loan Contracts or the                methodology they instructed us to use to select the Sample Automobile Loan Contracts from the Preliminary Data File.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of the procedures described in this report, the 150 Sample Automobile Loan Contracts are referred to as Sample Automobile      Loan Contract Numbers 1 through&#160;150.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; 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The Source(s) that we were instructed by the Sponsor, on behalf of the Depositor, to use for each                Sample Characteristic are shown on Exhibit 1 to Attachment A.&#160; All such compared information was found to be in agreement.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="text-align: right; text-indent: -36pt; margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><br>      <div style="font-family: 'EYInterstate Light', Calibri; font-weight: bold;">Exhibit 1 to Attachment A</div>      <div style="font-weight: normal;">Page 1 of 3</div>      <div><br>      </div>    </div>    <div style="text-align: center; text-indent: -36pt; margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><u> <br>      </u></div>    <div style="text-align: center; text-indent: -36pt; margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><u>Sample Characteristics and Sources</u></div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="ze523273e1d2b48be9874ff85495848dc" cellpadding="0" cellspacing="0">              <tr>          <td style="width: 28.35%; vertical-align: bottom; border-bottom: 1px solid black;">            <div style="color: rgb(0, 0, 0);">&#160;</div>            <div style="font-family: 'EYInterstate Light',Calibri; 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text-indent: -36pt; margin-left: 36pt; font-family: 'EYInterstate Light', Calibri; font-size: 11pt; font-weight: bold;"><font style="font-family: 'EYInterstate Light',Calibri; color: rgb(0, 0, 0);"><u>Notes</u></font><font style="color: rgb(0, 0, 0);">:</font></div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zeac163f7105a4a3584bc4e451f9d22ea" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">i.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For identification purposes only.</div>            </td>          </tr>              </table>    </div>    <br>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3f04f27109b8457588504874caebfe3c" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">ii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the origination date Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract Numbers 4,                5, 46, 55 &#8211; 60 and 129) the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the origination date Sample Characteristic for Sample Automobile Loan Contract Numbers 4, 5, 46, 55 &#8211; 60 and      129, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7af5199258a143508ff4026e22a3731b" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">iii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the indicated Sample Characteristics for each Sample Automobile Loan Contract, the Sponsor, on behalf of the Depositor, instructed us to                ignore differences of&#160;+/- $1.00 or less (and in accordance with any other applicable note(s)).</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc13a501b623746d3a055b76760e62708" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">iv.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the monthly P&amp;I payment Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract                Numbers 4, 5, 15, 46, 55 &#8211; 58, 60 and 129), the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the monthly P&amp;I payment Sample Characteristic for Sample Automobile Loan Contract Numbers 4, 5, 46, 55 &#8211;      58, 60 and 129, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the monthly P&amp;I payment Sample Characteristic for Sample Automobile Loan Contract Number 15, the Sponsor,      on behalf of the Depositor, instructed us to use the Spectrum System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">      <div style="page-break-after: always;" class="BRPFPageBreak">        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>    </div>    <div style="color: rgb(0, 0, 0);">      <div style="text-align: right; font-family: 'EYInterstate Light', Calibri; font-size: 11pt; font-weight: bold;">Exhibit 1 to Attachment A</div>      <div style="text-align: right; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">Page 3 of 3</div>      <div><br>      </div>    </div>    <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;"><font style="font-family: 'EYInterstate Light',Calibri; font-weight: bold; color: rgb(0, 0, 0);"><u>Notes:</u></font><font style="color: rgb(0, 0, 0);">&#160; (continued)</font></div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z25ca901a120941f49eeb79e1adb86edc" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">v.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the original amount financed Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract                Numbers 4, 5, 55 &#8211; 60 and 129) the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the original amount financed Sample Characteristic for Sample Automobile Loan Contract Numbers 4, 5, 55 &#8211; 60      and 129, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaa4fb25ef7d94c8d95ad66941797d2d5" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">vi.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for each Sample Automobile Loan Contract, the Sponsor, on behalf of the Depositor,                instructed us to ignore differences of&#160;+/- 0.10% or less.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z824e1cc6dda944da9480fc836eb1141f" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">vii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract                Numbers&#160;15 and 46), the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the annual percentage rate (APR) financed Sample Characteristic for Sample Automobile Loan Contract Number 15,      the Sponsor, on behalf of the Depositor, instructed us to use the Spectrum System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="margin-left: 36pt; font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for Sample Automobile Loan Contract Number 46, the      Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source (and in accordance with any other applicable note(s)).</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div>      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8bcff6bebff04b659abff34ef94d800c" cellpadding="0" cellspacing="0">                  <tr>            <td style="width: 36pt; vertical-align: top; text-align: right; color: rgb(0, 0, 0);">              <div style="text-align: left; font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">viii.</div>            </td>            <td style="width: auto; vertical-align: top; color: rgb(0, 0, 0);">              <div style="font-family: 'EYInterstate Light', Calibri; font-size: 11pt;">For the purpose of comparing the indicated Sample Characteristics for each Sample Automobile Loan Contract, the Sponsor, on behalf of the Depositor, instructed us to                ignore differences that appear to be due to abbreviation, truncation or spelling errors.</div>            </td>          </tr>              </table>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="font-family: 'EYInterstate Light',Calibri; font-size: 11pt; color: rgb(0, 0, 0);">We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the      Sponsor, on behalf of the Depositor, described in the notes above.</div>    <div style="color: rgb(0, 0, 0);"><br>    </div>    <div style="color: rgb(0, 0, 0);"><br>    </div>  </div>  <font style="color: rgb(0, 0, 0);"> <font style="font-family: Arial;"> </font> </font></body></html></TEXT></DOCUMENT><DOCUMENT><TYPE>GRAPHIC<SEQUENCE>3<FILENAME>ey_logo.jpg<TEXT>begin 644 ey_logo.jpgM_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%DM;V)E &3      ?_; 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